The really useful guide to buying your first home

If you're thinking of buying your first house or flat we'd like to help.
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Great news for first time buyers!

With 95% mortgages available (75% in London & SE England)*, £1,000 cashback on selected deals, plus award-winning service from local people, getting your foot on the property ladder is easier than you think.
5% deposits and £1,000 cashback
5% deposits and £1,000 cashback

Also known as 95% LTV mortgages*, you can even get £1,000 cashback with selected mortgages.

Crunch some numbers
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Book an appointment

Our mortgage advisors will be here for you every step of the way. Book your telephone or branch appointment today.

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What does a mortgage really mean?
What does a mortgage really mean?

Beyond the finance, obtaining a mortgage can mean so many things – like spreading your wings or starting a family. Our mortgage hub is here to help with some useful information to get you started on your journey.

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*Subject to lending criteria at the time

*£1,000 cashback available on selected First Time Buyer mortgage products up to 95%. Terms and conditions apply.

Your mortgage is secured on your home. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Next steps

See how much you could borrow

Use our mortgage calculator to work out how much you could borrow from us.

Use our calculator
Book an appointment

Our mortgage advisors will be here for you every step of the way. Book your telephone or branch appointment today.

Book Appointment
Latest news

Find out everything you need to know about The Cumberland's 5% deposit mortgages.

Latest news


  • How much can I borrow?

    The amount you can borrow depends on your income, outgoings and individual situation. You can get an idea of what you could borrow with our Mortgage Calculator, but for more detailed figures speak to one of our mortgage and protection advisors.

    If you want to apply for a mortgage with a second person, we will usually take into account your joint incomes.

    Once we have talked to you about a mortgage, we can give you a Mortgage Affordability Certificate, showing how much we will lend you if the valuation of the property is satisfactory.

  • How long does it take to get a mortgage?

    The length of time it will take you to get a mortgage depends on several different factors including your circumstances, the property and legal procedures.

    Once the mortgage application form has been completed, we will send a valuer to prepare a mortgage valuation report on the property to make sure we can lend you what you want. We will also check your income and financial status.

    You will need to instruct a conveyancer to handle the legal details (procedures for buying a house in Scotland are different from the system in England and Wales so it is important to contact a conveyancer at an early stage for guidance).

    While you're doing this, we check your application and obtain references and a valuation. Providing these are satisfactory, we will offer you the mortgage. This usually takes two to three weeks, but we can normally give you an immediate "in principle" decision.

  • What will it cost me?

    Initial costs

    In addition to the deposit you will have other expenses such as conveyancer's fees (including registration fees and possibly stamp duty land tax), valuation fees (unless the mortgage product you've chosen includes a free valuation) and insurance costs. We will go through these with you so that you can work out how much you need to borrow.

    Monthly mortgage payment

    The amount of the monthly mortgage payment depends on:

    • how much you wish to borrow
    • how many years you pay it back over
    • the type of mortgage you choose
    • the current interest rate, and
    • whether or not you decide to pay your house and contents insurance along with your mortgage payment.

    Take all these points into account and with the help of a Mortgage Illustration you should have a good idea of how much your mortgage will costs each month.